Lower Fees. Better Tech.
We've replaced the expensive middleman with intelligent software. The result? A faster closing and more money in your pocket.
Instant Pre-Approval
Skip the phone tag. Link your bank account and get a verified pre-approval letter in minutes, 24/7.
Wholesale Savings
We operate with minimal overhead and use AI to cut costs, passing those savings directly to you in the form of lower rates.
Digital Dashboard
Track your loan progress, upload documents, and sign disclosures from your phone. No fax machines, no paper.
Expert Support
Self-service doesn't mean you're alone. Our expert loan officers are just one click or call away when you need strategic advice.
Market-Beating Rates.
Zero Hidden Fees.
We believe in radical transparency. Our AI monitors the market 24/7 to lock in the lowest possible wholesale rates for you. Compare us to the big banks and see the difference a low-overhead lender makes.
- Real-time wholesale pricing
- No lender fees on select loan programs
- Lock your rate instantly online
Meet The ROC Group
Led by Yauvan Kumar and Ivan Duarte, our experts combine decades of mortgage experience with cutting-edge AI technology to give you the best possible home loan experience.
Principal Lending Strategist | VP of Mortgage Lending
Yauvan Kumar
As the Principal Loan Officer in Charge, Yauvan leads with a focus on growth—for his clients and his team. A master of mortgage strategy with over two decades of experience, he leverages The ROC Group's AI capabilities to provide high-touch advisory services, ensuring every client feels like the only client.
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VP of Mortgage Lending
Ivan Duarte
Ivan is a rarity in the mortgage industry: a 24-year veteran top-producer who also codes his own artificial intelligence systems. While other lenders are bogged down in paperwork, Ivan's proprietary MortgageArchitect AI platform handles the logistics instantly, giving him the freedom to focus entirely on crafting your perfect financing strategy.
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Director of Business Development
Michael Simpson
Michael drives the growth of The ROC Group by building lasting partnerships with real estate professionals and community leaders.
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